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I realize as I start typing this that passionate Dave Ramsey fans will probably be thoroughly annoyed with this post. But, before you passionate snowballers get too upset, hear me out. I love Dave Ramsey’s Baby Steps and the snowball method. My dad actually introduced me to his books while I was still in high school (thank you dad, I am forever grateful). If you have no idea what I’m talking about you can grab a copy here.

The reason I’m even bringing up the avalanche method is because it saves you a lot on interest. Lately I’ve been struggling with which method to really commit to. Isn’t the whole point of getting out of debt and living frugally to save money? The answer is obviously yes. So, why are we all so passionate about using a method that takes longer and costs more?

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If you’re starting out on your financial health journey, you’re probably wondering how on earth you’re supposed to set up a budget. Should you save anything? Does it all go toward debt? What about normal bills?

I know the feeling. Recently I’ve been going back and forth in my head about the best approach to budgeting for debt. Should I go by percentage? Should I ignore savings right now? Well, I finally worked out a solution so hopefully, I’ll save you from the battle going on in your brain and in your bank account.